Untitled Document

ANNUAL PERCENTAGE RATE	FINANCE CHARGE	AMOUNT FINANCED	TOTAL PAYMENTS
The cost of your credit as a yearly rate.	The dollar amount the credit will cost you.	The amount of credit provided to you or on your behalf	The amount you will have paid after you have paid all scheduled payments.
480.00%	$859.86	$900.00	$1,759.86

Itemization of Amount Financed:

$900.00	Amount given to you directly.

$0.00	Amount paid on your prior account

$900.00	Amount Financed (Total)

Security: This loan is unsecured.
Prepayment: If you pay off early,you will not have to pay a penalty.
Additional Information: See below for any additional information about nonpayment, default, any required repayment in full before the scheduled date,and prepayment refunds and penalties.

Your Payment Schedule is:

Term	Amt	DueDate
1	$195.55	09/23/2011
1	$195.55	10/07/2011
1	$195.55	10/21/2011
1	$195.55	11/04/2011
1	$195.55	11/18/2011
1	$195.55	12/02/2011
1	$195.55	12/16/2011
1	$195.55	12/30/2011
1	$195.46	01/13/2012

This Promissory Note and Disclosure Statement ("Agreement") is executed by and between BORROWER, CO-BORROWER (if any) and LENDER on the date set forth above.
1.Promise to Pay. BORROWER and Co-BORROWER (if any) (collectively referred to hereinafter as "BORROWER") jointly and severally promise to pay to LENDER in immediately available United States currency, the Total of Payments shown above at LENDER's address when due in accordance with the Payment Schedule shown above until the Total of Payments has been fully repaid.
2.Interest. BORROWER will pay simple interest on the outstanding principal balance of the loan at a daily rate of 1.315% beginning on 09/16/2011 until the final payment due date stated in the Payment Schedule above. In event that the BORROWER defaults on the loan or any extension or repayment plan interest will accrue only to the extent permitted by Delaware law.
3.Prepayment. BORROWER may prepay all or any portion of the balance owed at any time without any additional charge.